| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH - WILLIS OF NORTH CAROLINA INC | 214 N. TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | UNITEDHEALTHCARE INSURANCE COMPANY | $169K | — | $169K | 1.60% |
| CORPORATE BENEFITS ALLIANCE3 | 1055 WESTLAKES DR STE 131 BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $147K | — | $147K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 N. TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | DELTA DENTAL OF PENNSYLVANIA | $20K | — | $20K | 2.68% |
| CORPORATE BENEFITS ALLIANCE3 Filed as: CORPORATE BENEFITS ALLIANCE INC | 1055 WESTLAKES DRIVE STE 131 BERWYN, PA 19312 | DELTA DENTAL OF PENNSYLVANIA | $18K | — | $18K | 2.32% |
| CORPORATE BENEFITS ALLIANCE3 Filed as: CORPORATE BENEFITS ALLIANCE INC | 1055 WESTLAKES DRIVE SUITE 131 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $22K | $32K | 11.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NC 28231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 6.32% |
| CORPORATE BENEFITS ALLIANCE3 Filed as: CORPORATE BENEFITS ALLIANCE INC | 1055 WESTLAKES DRIVE SUITE 131 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $14K | $19K | 8.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NC 28231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 7.94% |
| CORPORATE BENEFITS ALLIANCE3 Filed as: CORPORATE BENEFITS ALLIANCE INC | 1055 WESTLAKES DRIVE STE 131 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $11K | $17K | 11.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC | PO BOX 31817 CHARLOTTE, NC 28231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 6.28% |
| CORPORATE BENEFITS ALLIANCE3 Filed as: CORPORATE BENEFITS ALIANCE | 1055 WESTLAKES DR STE 131 BERWYN, PA 19312 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 N TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.71% |
| CORPORATE BENEFITS ALLIANCE3 | 1055 WESTLAKES DRIVE STE 131 BERWYN, PA 19312 | NATIONAL VISION ADMINISTRATORS,L.L.C. | $2K | — | $2K | 2.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC | 214 N. TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | NATIONAL VISION ADMINISTRATORS,L.L.C. | $2K | — | $2K | 2.26% |
| CORPORATE BENEFITS ALLIANCE3 Filed as: CORPORATE BENEFITS ALLIANCE INC | 1055 WESTLAKES DRIVE SUITE 131 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $6K | $10K | 18.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NC 28231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.78% |
| AH&T INSURANCE3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | ACE AMERICAN INSURANCE COMPANY | $953 | — | $953 | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,995 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,016 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,327 | $10.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 2,318 | $845K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,808 | $174K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,821 | $243K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,969 | $445K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,969 | $367K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,000 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,327 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.